North Jersey Federal Credit Union
of Totowa, NJ has
31,903 members and assets of $220 million.
The credit union, opened in 1936, has 58 full time employees and 19 part time employees
, or 476 members per employee, compared to a national average of 430.

North Jersey FCU

North Jersey Federal Credit Union (NJFCU) of Totowa, New Jersey has been in service for more than 78 years, currently from 5 locations. Its field of membership is a community credit union. NJFCU membership is open to people who live, work, worship, attend school or regularly conduct business in Passaic or Bergen Counties or the underserved areas of Essex or Union Counties or the City of Newark. By number of members, it is the 5th biggest in New Jersey. It also is the fifth biggest in the state by assets.

For members needing to establish credit, the credit union offers a credit builder program, share-secured credit cards and short term small amount loans.
Financial counseling, financial education and financial literacy workshops are available.

Besides automobile loans and other kinds of borrowing, NJFCU can do real estate loans, has a first time homebuyer program and can grant interest only or payment option first mortgage loans.
Conveniences include check cashing, international remittances, low-cost wire transfers and money orders.
North Jersey FCU members may also benefit from bilingual services, in-school branches, student scholarships, income tax preparation assistance and loans based on expected tax refund.

Services to businesses and professionals include business share accounts, business loans, merchant processing services/payment processing, mortgage processing and the credit union is an approved mortgage seller.
People having other financial, savings, and investment needs will appreciate individual development accounts, certificates of deposits and insurance/investment products that are offered.

Available electronic access to NJFCU includes Internet account access, bank by phone and wireless phone apps.
From home, you can apply to join the credit union, take out a loan, look at your balance, order share drafts, loan payments, view account history, purchase merchandise, transfer money, online bill pay, download your account history and view statements.